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7 Types of Insurance Your Small Business Should Consider

If you own a small business, there’s no denying one ... to protect your assets is Small Business Insurance. But what kind of ... it comes to insuring ... enough to put a small business out of business! Public Liability Insurance explained. Professional Indemnity ...

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Legal Requirement for Public Liability Insurance

Public liability insurance covers your business for losses or damage to ... result of your business’ activities. Failure in obtaining public ... result of your business’ activities. Failure in obtaining public liability insurance policy can ... public liability insurance is not a statutory requirement, most small to medium sized businesses ...

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Public Liability Insurance

Just imagine: A phone call out of the blue. The caller has a voice you don’t recognise. He’s telling you he is hurt – badly – and you’re responsible. You hang ... your business against accidents is a relatively simple process. Purchasing public liability insurance ... cover, every adverse eventuality for small businesses. The site offers policies covering ...

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Help Protect your small business’ reputation

... it comes to running a small business, your brand and its reputation ... take just one small mistake to destroy your business in minutes. As ... damage whilst your business is under scrutiny.   Management Liability Insurance Being ... have devastating effects on a small business. Some of the examples that ...

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What is Public Liability Insurance

... , loss or damage to property. Small business owners have a responsibility to ... are doing business with another business, make sure they have public liability insurance too ...

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Public Liability Insurance

... the lowdown on public liability insurance As a small business owner you already have ... and defence costs Public Liability Insurance protects you and your business against the ...

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Small Business Index July 2015

SMEs benefiting from declining insurance rates but is the tide turning? An oversupply of capacity and competition in the insurance market over the last few years has ... , Combined Professional Indemnity & Public Liability and Public Liability /Business Packs. Michael Gottlieb, BizCover ... The Combined Professional Indemnity & Public Liability market, which is largely dominated ...

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The Risks of Growing Your Small Business

“The only strategy that is guaranteed to fail is not taking risks.” – Mark Zuckerberg There comes a time when every successful enterprise needs to ditch the ... accountant! Interest payments charged on business or investment loans are tax-deductible ... You Do? Insure your legal liability! Public Liability (or ‘PL’) covers claims against ...

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Triumph after Tragedy for QLD Fitness Trainer Latest Winner of Bizcover.com.au $60,000 ‘Small Business Buddy Program’

... Winner of Bizcover.com.au $60,000 ‘Small Business Buddy Program’ Michelton resident Charlotte ... , and thanks to Bizcover.com.au’s Small Business ... micro, small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and ... range of other small business programs such as the Small Business Champion Awards, which ...

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Things you didn’t know about small business insurance

... the insurance sorted for your small business can be pretty straightforward, jump ... the insurance that suits your business. But there are a few ... insurance may not cover your business liabilities or property. If you work ... put this in perspective, a public liability policy for an SME working ...

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Common Small Business Insurance Claims and How to Prevent them.

If you are a small business owner you know that things ... on the running of your business and your bottom line.  Whilst ... ... Theft is unfortunately common for small businesses, especially for shop fronts with ... , investing in a backup generator. Liability Claims Another common claim seen ...

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Small Business Insurance Price Index Q3

... quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown ... ... quarter. The latest Quarterly BizCover Small Business Insurance Price Index has shown ... non professional sector, primarily around Public Liability and Business Packs (predominately covering perils ...

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Is your Small Business Summer Proof?

... to enjoy, including plenty of public holidays, long days and great ... of challenges and risks every small business should be aware of. Complete ... to enjoy, including plenty of public holidays, long days and great ... of challenges and risks every small business should be aware of. Complete ...

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Progressive Distillery in Hobart Tasmania, defeats hundreds of others Small Businesses Nationwide to become the latest winner of BizCover’s $2000 grant, BizGiver.

Deviant Distillery, a high tech distillery in Hobart Tasmania, is doing something no one has even though of before. They’ve developed their own propriety technology ... Small Business Insurance Comparison Site, is a $2000 Small Business Grant that awards a Small Business ... high but seeing the public choose our business from such strong competition ...

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A $2,000 Wish for Your Small Business

... any small business owner about the most difficult aspect of running a business ... venturing down the path of business ownership is trying ... winner will be determined by public voting via the BizCover Facebook ... 30th September.   Ask any small business owner about the most difficult ...

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5 Legal Essentials for your Small Business

... in the community and growing small businesses. You may be just starting ... ... essential legal needs of every small business owner. These will protect your ... resolution procedures; and Limitations of liability and disclaimers. If you provide ...

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Small Business Continues to Win on Insurance Prices!

... pressure, prices remain flat for small business. Recent financial results from the ... price increase; however the BizCover Small Business Insurance ... pressure, prices remain flat for small business. Recent financial results from the ... pressure, prices remain flat for small business. Recent financial results from the ...

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5 Money Saving tips for Small Business

Most small business owners are conscious of their ... out or have been in business a while, you’ll want ... make the most of your business funds ... . Smart Website Design For most small businesses having a web presence is ... spending your money wisely! Most small business owners are conscious of their ...

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Preparing your small business for a Tax Audit

... audits of 100’s of small businesses. Even if your books are ... that any audit of your business is as painless as possible. ... ... have put in your returns.  Small businesses are required to keep all ... process. The cost for a small business audit can sit anywhere between ...

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Small Business Resolutions for 2017

... both your personal life and business life and set some goals ... long way to focusing your business in the right direction. And ... ... recently asked a number of Small Business owners about their 2017 resolutions. ... professional.” 3. Cost cutting “My small business resolution; set new goals and ...

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5 Surprising Things Business Insurance Can Cover

When looking for Business Insurance, most small business owners typically worry about covering ... things such as their legal liabilities and top ... to ensure you have your Public Liability cover in case a customer ...   When looking for Business Insurance, most small business owners typically worry about ...

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Gold Coast Mobile Juice Business Gets a Boost

... Winner of Bizcover.com.au $60,000 ‘Small Business Buddy Program’ Queensland, October 13 ... the newest recipient of a small business wish ... micro, small and medium sized businesses buy Professional Indemnity, Public Liability, Business Insurance, Management Liability and ... range of other small business programs such as the Small Business Champion Awards, which ...

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Who is Covered Under an IT Liability Policy?

... information technology sector face potential liabilities from clients and third parties ... they can get on with business. The problem is good advice ... they can get on with business. The problem is good advice ... having professional indemnity, products liability and public liability contained in the same policy ...

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Product Liability Insurance

... Product Liability Insurance? Product Liability insurance usually forms part of a Public Liability policy. ... It is designed to protect businesses against the ...

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The Easter Bunny’s Guide to Business Insurance

... denying that Easter is big business. In the Easter game, the ... ... , it could also represent a public liability risk, for which the Easter ... He also has cover for Business Interruption, and should the unthinkable ...

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Business Horror Stories

Running a business can be a wonderful rewarding ... think. 1 in 5 Australian businesses are the victims of a ... ... a small  business, even shutting them down for good. A management liability insurance ... them. Business Insurance cover options such as Management Liability and Cyber Liability are ...

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The Risky Business of Insurance

... Real Costs to Australian Small Business? Small business owners tend to be ... and future planning. Managing business risk and ensuring that ... a ... the Real Costs to Australian Small Business? Small business owners tend to be juggling ... Examples of “must have” insurance: Public Liability– protects against legal ...

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6 Areas You May Not Have Thought Business Insurance Covers

... ’s vital to protect your business assets and revenue against potential ... risks that may impact your business, such as fire, storms, theft ... ... other essential covers such as Public Liability and Professional Indemnity insurance to ... provide whist you are doing business. Your business is your livelihood. So ...

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Getting the Best Value on Your Business Insurance

The new year is now in full swing, and if you’re like some of us in this office, you will probably have resolved to be a bit smarter with your money in 2016 and perhaps ... the best value on your business insurance. Cover yourself up! Check ... between staying in business or going out of business. The new year ...

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7 Steps for Your Business to Survive and Thrive

When you first launched your business, you probably thought you’d ... first few years. If your business is failing to thrive quite ... ... creating undue stress on your business – not to mention exposing yourself ... referral incentives for recommending your business to new customers. Running a ...

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Insurance Premiums for Retailers Continue to Climb

... to Climb The latest BizCover Small Business Insurance Price Index has been ... is showing an increase in small business insurance rates, with the ... to Climb The latest BizCover Small Business Insurance Price Index has been ... a massive 8 points for Public Liability and Business Packs, most other industries ...

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Preparing your store for the holiday season ahead

... an important time for retail businesses. It can provide a much ... to protect your customers, your business, and your assets. Take safety ... ... protect you and your business against a public liability claim. Reduce shoplifting The ... hackers constantly looking to exploit small businesses there’s a number of ...

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Do I need insurance for my market stall?

From fresh food and irresistible treats to clothing, arts, crafts, and bric-a-brac, Australia has become spoiled for choice when it comes to markets. And with the festive ... two types of cover – Public Liability and Product Liability. Public Liability Public Liability covers you for the ... cover is available under a Business Insurance policy to provide protection ...

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5 Tips for an Insurance Health Check

... a general review of your business, it’s worth taking time ... the unthinkable happens and your business is hit by a major ... ... advice that has been provided. Public Liability Protection against the damages from ... material damage claim (Business Interruption) Management Liability Protects businesses and business directors including their ...

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Insurance Considerations for Personal Trainers

... to protect yourself and your business from the […] ... to protect yourself and your business from the different risks that ... these types of risk consider public liability insurance which will provide financial ...

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SMEs continue to benefit from low premiums; despite talk of price rises.

... for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index ... ... for insurance for larger businesses, the latest BizCover Small Business Insurance Price Index ... down. Professional Indemnity and Public Liability, including multiple section business packs, remained consistent ...

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5 Common Beauty Insurance Claims

... a devastating effect on your business. We take a look at ... ... my landlord to hold a Public Liability policy. I’ve always enforced ... can be crippling to your small business. Cassandra*, an experienced laser therapist ...

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PI Index: Premiums Decline 10 Straight Quarters

Business Insurance Premiums Decline 10 Straight ... competition in the business insurance market. The BizCover Small Business Insurance Index has ... competition in the business insurance market. The BizCover Small Business Insurance Index has ... groups, Combined Professional Indemnity/Public Liability and Public Liability/Business Packs are not seeing ...

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BizCover wins dual accolades over two big nights

... better customer experience in the Small Business Insurance space. On Tuesday night ... honoured to win the Small Business Award for Business< ... honoured to win the Small Business Award for Business Excellence at the Australian ... ranks the 50 fastest growing public or private technology companies, based ...

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New Year Insurance Health Check!

... also a great time for business owners to take stock of ... bit of planning for the business year ahead, including the goals ... ... to expand, acquire businesses? Grow sales? Perhaps the business has already grown ... consider increasing the level of public liability insurance that you hold. Are ...

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Comparethemarket.com.au and BizCover Announce White Label Partnership

... comparethemarket.com.au have joined forces, offering small business customers an opportunity to compare ... the leading online provider of small business ... comparethemarket.com.au have joined forces, offering small business customers an opportunity to compare ... comparethemarket.com.au have joined forces, offering small business customers an opportunity to compare ...

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Pet Stays, becomes the 32nd BizGiver winner

... BizCover Insurance’s BizGiver $2000 Small Business Grant, winning an SEO package. ... ... Small Business Buddy) has given away over $55,000 in small business grants to small businesses. ... There has been a wide range of Small Businesses ...

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44 Ways Apps Can Increase Your Productivity

For small business people time is money. Here&# ... manage your workload. Entrepreneurs and small business owners must find ways to ... tools that every ... tools that every entrepreneur and small business owner should consider to manage ... tools that every entrepreneur and small business owner should consider to manage ...

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Scooter & Jinx wins BizGiver Grant

... AND WINS THE BIZGIVER $2000 SMALL BUSINESS GRANT. Tucked away in Little ... ... ” explains Chris, “The support for small business in Melbourne and surrounds is ... $2000 small business grant that realises the wish of the winning small business every ...

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BizGiver finds it’s latest winner in Wild Forage

... is crowned; Wild Forage, a small business supplying seasonal wild edible plants ... portable fridge, critical to their business. Wild Forage is bringing ... is crowned; Wild Forage, a small business supplying seasonal wild edible plants ... is crowned; Wild Forage, a small business supplying seasonal wild edible plants ...

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BizCover partners with Energy Retailer CovaU

Online small business insurance provider BizCover has announced ... to offer insurance to its business customer base. The BizCover solution ... ... work and driving savings for small businesses, making this a perfect partnership ... the next step in these businesses. Online small business insurance provider BizCover has ...

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A Close Shave with Underinsurance

Just as your business is growing and changing it&# ... exposed.  A large number of small businesses in Australia are underinsured and ... ... exposed.  A large number of small businesses in Australia are underinsured and ... exposed.  A large number of small businesses in Australia are underinsured and ...

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Customer Spotlight: Cazeil Creative

... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... business has built its name capturing [ ... ... Cazeil Creative, a versatile photography business from the Blue Mountains. The ... my own and create a small business in the field of my ...

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Tips for making a Stress-Free Claim

... it is to get your business back up and running as ... ...   Measure the Impact Something that small business owners often forget, is how ... another location? This is where Business Interruption insurance comes in handy ...

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Customer Spotlight: Being Brands

For this week’s Customer Spotlight we look at creative brand agency, Being Brands. Being Brands is a creative agency located just outside of the Sydney CBD in Hunter ... was able to grow her small business to be a successful agency ... insurance a must. “As a business, we are involved in government ...

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Personal Accident and Illness Insurance for Tradies

Does the thought of being off work for three months due to a major mishap with a nail gun horrify you? As far-fetched some accident stories may sound, the reality is ... not only cost you your business but severely impact on your ... If you are a self-employed small business owner or a contractor, Personal ...

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Professional Indemnity Claims: when should I notify my insurer?

... covers you have for your business. If things don’t quite ... of action taken against your business. Like all insurance policies, there ... ... of action taken against your business. Like all insurance policies, there ... how small the problem is, as you might inadvertently admit liability which ...

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Taking the W: The Art of Celebrating a Win

... level of protection we give small enterprises when bad things happen. ... ... naturally less invested in the business than you and benefit from ... them kudos & make it public) TALK (Let people know about ...

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Professional Indemnity for Real Estate Agents

... under the Property, Stock and Business Agents Act 2002 hold a ... ... in the advertising material and liability on the real estate agent ... their client.   Property, Stock and Business Agents Act 2002 Whitaker v ...

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Comparing Portable Equipment & Electronic Equipment Cover

Business insurance isn’t always straightforward, ... is especially the case with Business Insurance options like Portable Equipment ... ... is especially the case with Business Insurance options like Portable Equipment ... replacement if something goes wrong. Small things often come with expensive ...

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Customer Spotlight: Cheaper Buy The Dozen

After working 22 years in the car industry, Mansel Milne made the jump to the wine industry and started the online wine delivery company Cheaper Buy The Dozen. In its ... “We now have a dedicated small team of people who work ... insurance plan for his business. “I believe all businesses should be insured ...

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Customer Spotlight: Yummy Dogs

There are good dogs and bad dogs. Eight years in, and Yummy Dogs founder Olaf is slowly but surely weeding out the rogues with a fresh dedication to quality hot dogs ... car manufacturers) and expanded the business to include their own range ... we cater for everything from small, intimate office meetings to large ...

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Why having an office inventory list is essential.

... kind of thing that gets business owners excited, that is until ... like, but what about the smaller items, […] ... kind of thing that gets business owners excited, that is until ... like, but what about the smaller items, which may be low ...

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Customer Spotlight: Elite Words

On today, International Women’s Entrepreneurship Day, we celebrate with one entrepreneurial BizCover customer, Natalie Dawson of Elite Words. After over ten successful ... only a few months in business, Elite Words has already made ... with BizCover. “I insure my business because it is the right ...

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Lifestyle Tradie Group trades up; next Small Business Buddy Winner

... Team wins the latest $2000 Small Business Buddy Wish from BizCover Insurance. ... latest winners of BizCover’s Small Business Buddy Wishes, with ... productivity will improve overnight”. The Small Business Buddy Wishes grant is an ... coverage for Small Businesses. “Our success is due to the small business community, who ...

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Childers Local wins the latest Small Business Buddy Grant

... HAND TO CHILDERS LOCAL PET BUSINESS Meet the latest winner of ... Bizcover $60,000 ‘Small Business Buddy Program’ Grant Queensland . ... Bizcover $60,000 ‘Small Business Buddy Program’ Grant Queensland ... Bizcover $60,000 ‘Small Business Buddy Program’ Grant Queensland ...

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Latest Small Business Buddy Winner: Evermore Memories

... PRIZE.  Latest Winner of Bizcover.com.au ‘Small Business Buddy Program’ Evermore Memories, a ... new unique business based in Geelong Victoria ... PRIZE.  Latest Winner of Bizcover.com.au ‘Small Business Buddy Program’ Evermore Memories, a ... PRIZE.  Latest Winner of Bizcover.com.au ‘Small Business Buddy Program’ Evermore Memories, a ...

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Business Insurance

... right for you Your business may be considered ‘small’ but it’s ... to plan. Public Liability Building & Contents Glass Tax Audit Business Interruption Theft ...

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Cyber Liability Insurance

... If you’re thinking your small business down under is of no ... cover for your business. Cyber Liability Insurance covers your business against the expense ...

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6 Considerations Before Starting a Business

Starting a business is tough, but can be ... to help give your fledgling business the best chance of success. ... ... a small segment of a marketplace. Customers like to know businesses have ... to understand why so few small businesses get this right. Respond to ...

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Is Your Businesses Target for Cyber Criminals?

Australian businesses have become a target for ... simple ways to protect your business against an attack. BizCover managing ... ... and security, and hire a public relations consultant to restore any ... problem that Australian businesses can afford to ignore. Small to medium-sized enterprises ...

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Statutory Liability

... penalties, as well as pollution liability defence costs. What’s typically ... impost Pollution Liability defence costs Things to consider Is your business at ...

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Business Interruption Insurance: Your ‘Get Out of Jail Free’ Card

... the potential to cripple your business and effectively ‘lock up’ operations. ... Business interruption insurance can provide both ... lucky ... natural and man-made, strike everyday businesses both small and large, and can ... costs involved in re-writing necessary business ‘records and documents following loss ...

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Michael Gottlieb featured in Insurance Business

In January, our Managing Director Michael Gottlieb was interviewed by Insurance Business magazine, giving his outlook on 2014. Insurance Business – The ... Gottlieb was interviewed by Insurance Business magazine, giving his outlook on ... Gottlieb was interviewed by Insurance Business magazine, giving his outlook on ...

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Business Interruption

... potential to bring the business to its knees. Business interruption insurance is ... the premises were being repaired, Business Interruption insurance would generally cover ...

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Additional Cover for Professional Indemnity Insurance

... ’s just part of the business. Hish is the managing director ... Mines, a busy IT consulting business providing information management services to ... definitely would recommend it.” Public liability protects businesses from bodily injury or property ... legal action. PI Insurance protects small businesses from this type of action. ...

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Reviews related to public liability for small business

  • It was so fast and simple to obtain insurance for my small business!! I am a new small business owner and am new to this so I found it easy to use and fast to obtain :)

    Ragan M
    Allied Health

  • So quick and easy to purchase liability insurance from a range of insurers. Very happy customer!!

    Shirley M McIntosh
    Trades & Services

  • Great Price on my Liability insurance

    James M
    Trades & Services

  • You make life a lot simpler in choosing business insurance. Thank you.

    Paulus A
    Information Technology

  • unbelievable savings truly amazing the difference in the insurance costs thank you biz cover i will be recommending you to all my fellow business owners regards Palew Constructions

    Richard A
    Trades & Services

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Get the cover that’s right for your business

With BizCover you can choose policies from 3 levels of cover, $5 million, $10 million and $20 million.

Policies are usually tailored to individual businesses. Each business will require a different amount of cover and when deciding on how much cover you should have you should think about the following factors:

  • Do any of your contracts require a minimum level of cover?
  • Has your industry body set a minimum level of cover for membership?
  • Does your business or trade license require a minimum amount of cover?
  • Do the terms of your lease require a minimum level of cover?
  • Finally think about what your level of risk and exposure could be. What kind of accidents could occur and what could be the potential cost of a claim?